@incollection{,
	
					
					
					3BE5B693FF5ED92A598A383F0A7C14C9
				,
	author={{CarstenGiebe} and {KevinSchulz}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}214111
}

@incollection{b0,
	
	
		,
	title={{Anzahl der Sparkasseninstitute und ihrer inländischen Zweigstellen in den Jahren von}}
		
	
	
		,
	booktitle={{Anzahl der Beschäftigten bei Sparkassen in Deutschland in den Jahren von}}
				
			,
	year={1991 bis 2018. 1991. 2018. June 2021. 1990 bis 2019}
		
	
	,
	note={Number of employees at savings banks in Germany between. Number of savings bank institutions and their domestic branches in the years 1990 to 2019}

}

@book{b1,
	
	
		,
	title={{The German banking system: Characteristics and challenges, SAFE White Paper}}
		,
	author={{
			PBehr
		} and {
			RSchmidt
		}}
		
		
		
			,
	year={2015}
		
		
			Goethe University Frankfurt
		
	

}

@incollection{b2,
	
	
		,
	title={{Betriebsergebnis der Sparkassen in Deutschland in den Jahren von}}
	
	
		,
	booktitle={{Millionen Euro)}}
				
			,
	year={1999. 2018. 1999. 2018}
		
	
	,
	note={Operating profit of savings banks in Germany in the years. in millions of euros)}

}

@book{b3,
	
	
		,
	title={{BaFin sieht keine Systemkrise auf deutsche Banken zukommen, Pressemitteilung vom 18.05.2021. [Federal Financial Supervisory Authority does not see a systemic crisis}}
		,
	author={{
			FinanzdienstleistungsaufsichtBundesanstalt Für
		}}
		
			,
	year={2021}
		
	
	,
	note={approaching German banks, press release}

}

@book{b4,
	
	
		,
	author={{
			Shareddocs
		}}
		,
	title={{2021/pm_210518_jahrespressekonferenz.html;js essionid=D5C8665EB197B496FF0C582B7D8A526 D.1_cid502 [Accessed}}
				
			,
	year={June 2021}
		
	

}

@book{b5,
	
	
		,
	title={{Physische und digitale Erreichbarkeit von Finanzdienstleistungen der Sparkassen [Physical and digital accessibility of financial services of savings banks}}
		,
	author={{
			AConrad
		} and {
			AHoffmann
		} and {
			DNeuberger
		}}
		
		
		
		
			,
	year={2017}
			,
	address={Rostock}
		
		
			Universität Rostock, Institut für Volkswirtschaftslehre
		
	
	,
	note={ThünenSeries of Applied Economic Theory -Working Paper}

}

@incollection{b6,
	
	
		,
	title={{Sparkassen-DataAnalytics: Den Datenschatz der Sparkassen-Finanzgruppe heben [Savingbanks-data-analytics: Raising the data treasure of the Savings Bank Finance Group}}
		,
	author={{
			CDamaschke
		} and {
			CGiebe
		}}
		
	
	
		,
	booktitle={{Erich R. Utz, Digitalisierung -"the next challenge" fur Sparkassen Handlungsfelder zur kunftigen Gestaltung des Geschaftsmodells in Sparkassen}}
				
			,
	year={2020}
			
		
	

}

@book{b7,
	
	
		,
	title={{}}
		,
	author={{
			GmbhDeutscher Sparkassenverlag
		}}
		
			,
	address={Stuttgart}
		
	

}

@incollection{b8,
	
	
		,
	title={{FinTech -Challenges and Opportunities How digitization is transforming the financial sector}}
		,
	author={{
			DDrummer
		} and {
			AJerenz
		} and {
			PSiebelt
		} and {
			MThaten
		}}
		
		
		
		
	
	
		,
	journal={{McKinsey & Company}}
		
			
			,
	year={2016. May. June 2021}
		
	
	,
	note={Accessed}

}

@book{b9,
	
	
		,
	title={{Eigenkapitalrentabilität nach Steuern der Sparkassen in Deutschland in den Jahren von}}
		
			,
	year={1994 bis 2018}
		
	
	,
	note={Return on equity after taxes of savings banks in Germany in the years 1994 to 2018}

}

@book{b10,
	
	
		,
	title={{/umfrage/eigenkapitalrentabilitaet-der-sparkassenin-deutschland}}
		
			,
	year={June 2021}
		
	

}

@book{b11,
	
	
		,
	title={{Entwicklung der Cost-Income-Ratio der Sparkassen in Deutschland in den Jahren von 1998 bis 2018 [Development of the cost-income ratio of savings banks in Germany in the years}}
		
			,
	year={1998. 2018}
		
	

}

@book{b12,
	
	
		,
	title={{Innovationslust in Banken beurteilen}}
		,
	author={{
			BFischer
		} and {
			CArz
		}}
		
		
			,
	year={2016}
		
	
	,
	note={Assessing innovative spirit in banks}

}

@book{b13,
	
	
		,
	title={{}}
		,
	author={{
			Bankmagazin
		}}
		10.1007/s35127-015-0721-2
		
		
			
		
	

}

@book{b14,
	
	
		,
	title={{Entwicklungen und Perspektiven von Qualifikation und Beschäftigung im Bankensektor [Developments and perspectives of qualification and}}
		,
	author={{
			IFrank
		} and {
			MHackel
		} and {
			RHelmrich
		} and {
			EMKrekel
		}}
		
		
		
		
			,
	year={2014}
		
	
	,
	note={employment in the banking sector}

}

@incollection{b15,
	
	
		,
	title={{}}
	
	
		,
	journal={{Wissenschaftliche Diskussionspapiere des Bundesinstituts für Berufsbildung (BiBB)}}
		
			151
		
	

}

@book{b16,
	
	
		,
	title={{The Impact of Bank Mergers on Efficiency: Empirical Evidence from the German Banking Industry}}
		,
	author={{
			GKGeorgiev
		} and {
			HPBurghof
		}}
		
		
			,
	year={2007}
		
	
	,
	note={Working Paper}

}

@incollection{b17,
	
	
		,
	title={{The Chief Digital Officer-Savior for the Digitalization in German Banks?}}
		,
	author={{
			CGiebe
		}}
		10.26458/jedep.v8i3.633
		
	
	
		,
	journal={{Journal of Economic Development, Environment and People}}
		
			8
			3
			
			,
	year={2019}
		
	

}

@incollection{b18,
	
	
		,
	title={{Big Data & Analytics as a sustainable Customer Loyalty Instrument in Banking and Finance. Financial Markets}}
		,
	author={{
			CGiebe
		} and {
			LHammerström
		} and {
			DZwerenz
		}}
		
		
		10.21272/fmir.3(4).74-88.2019
		
	
	
		,
	journal={{Institutions and Risks}}
		
			3
			4
			
			,
	year={2019}
		
	

}

@incollection{b19,
	
	
		,
	title={{IT Consumerization and the Transformation of IT Governance}}
		,
	author={{
			RWGregory
		} and {
			EKaganer
		} and {
			OHenfridsson
		} and {
			TJRuch
		}}
		
		
		
		10.25300/MISQ/2018/13703
		
	
	
		,
	journal={{MIS Quarterly}}
		
			42
			4
			
			,
	year={2018}
		
	

}

@incollection{b20,
	
	
		,
	title={{Taxonomy of an IIot Device Based upon Production Functions}}
		,
	author={{
			LHammerstöm
		} and {
			DZwerenz
		} and {
			CGiebe
		}}
		
		
		10.26417/ejes.v5i2.p6-22
		
	
	
		,
	journal={{European Journal of Economics and Business Studies}}
		
			5
			2
			
			,
	year={2019}
		
	

}

@incollection{b21,
	
	
		,
	title={{Die Bank der Zukunft -Strategien für den Erfolg [The bank of the future -strategies for success}}
		,
	author={{
			AHenke
		} and {
			MPetry
		} and {
			BSpäth
		}}
		
		
		
	
	
		,
	journal={{Bank und Markt}}
		
			4
			
			,
	year={2016}
		
	

}

@incollection{b22,
	
	
		,
	title={{Options for formulating a digital transformation strategy}}
		,
	author={{
			THess
		} and {
			CMatt
		} and {
			ABenlian
		} and {
			FWiesböck
		}}
		
		
		
		
	
	
		,
	journal={{MIS Quarterly Executive}}
		
			15
			2
			,
	year={2016}
		
	

}

@incollection{b23,
	
	
		,
	title={{Role of digitization for German saving banks}}
		,
	author={{
			PiotrKomorowski
		}}
	
	
		,
	booktitle={{Digitalisierung -"the next challenge" fur Sparkassen Handlungsfelder zur kunftigen Gestaltung des Geschaftsmodells in Sparkassen}}
				,
	editor={
			ErichRUtz
		}
		
			,
	year={2020}
			
		
	

}

@book{b24,
	
	
		,
	title={{}}
		,
	author={{
			DeutscherSparkassenverlag
		}}
		
			,
	address={Stuttgart}
		
	

}

@incollection{b25,
	
	
		,
	title={{Digital Transformation of Financial Sector and Challengies for Competencies Development}}
		,
	author={{
			IMavlutova
		} and {
			TVolkova
		}}
		
		10.2991/mdsmes-19.2019.31
		
	
	
		,
	booktitle={{2019 7th International Conference on Modeling, Development and Strategic Management of Economic System (MDSMES 2019)}}
				
			,
	publisher={Atlantis Press}
			,
	year={2019}
		
	

}

@incollection{b26,
	
	
		,
	title={{Systematic review of omnichannel banking and preview of upcoming developments in Germany}}
		,
	author={{
			MMenrad
		}}
	
	
		,
	journal={{Innovative Marketing}}
		
			16
			2
			
			,
	year={2020}
		
	

}

@book{b27,
	
	
		,
	title={{}}
		10.21511/im.16(2).2020.09
		
	

}

@book{b28,
	
	
		,
	title={{Deutsche Wirtschaft: Corona-Virus stürzt deutsche Wirtschaft in eine Rezession [German economy: Corona virus plunges German economy into recession}}
		,
	author={{
			CMichelsen
		} and {
			MClemens
		} and {
			MHanisch
		} and {
			SJunker
		} and {
			KKholodilin
		} and {
			TSchlaak
		}}
		
		
		
		
		
		10.18723/diw_wb
		
		
			,
	year={2020}
			,
	publisher={DIW Wochenbericht}
			87
			
		
	

}

@book{b29,
	
	
		,
	title={{Bankenverband rechnet mit kräftigem Abbau von Filialen}}
		,
	author={{
			H-WPeters
		}}
		
			,
	year={2018}
		
	
	,
	note={Association of German Banks anticipates significant reduction in the number of branches}

}

@book{b30,
	
	
		
		,
	title={{Frankfurter Allgemeine}}
				
			,
	year={June 2021}
		
	
	,
	note={Accessed}

}

@incollection{b31,
	
	
		,
	title={{How big old companies navigate digital transformation}}
		,
	author={{
			ISebastian
		} and {
			JRoss
		} and {
			CBeath
		} and {
			MMocker
		} and {
			KMoloney
		} and {
			NFonstad
		}}
		
		
		
		
		
		
	
	
		,
	journal={{MIS Quarterly Executive}}
		
			16
			3
			
			,
	year={2017}
		
	

}

@book{b32,
	
	
		,
	title={{Zukunft der Bankfiliale-Auslaufmodell oder Erlebniswelt [The future of the bank branch}}
		,
	author={{
			GWaschbusch
		} and {
			RBlaß
		} and {
			SCBerg
		}}
		
		
		
			,
	year={2016}
		
	

}

@incollection{b33,
	
	
		,
	title={{Das gegenwärtige Niedrigzinsumfeld aus Sicht der Sparkassen [The current low interest rate environment from the point of view of savings banks}}
		,
	author={{
			MarktBank Und
		}}
		10.3790/vjh.85.1.11
		
	
	
		,
	booktitle={{Vierteljahrshefte zur Wirtschaftsforschung}}
				
			,
	year={2016}
			5
			
		
	

}

@incollection{b34,
	
	
		,
	title={{Brand Management: Organizational Changes in Project Management}}
		,
	author={{
			DZwerenz
		}}
		10.21272/mmi.2019.2-22
		
	
	
		,
	journal={{Marketing and Management of Innovations}}
		
			19
			2
			
			,
	year={2019}
		
	

}